Two-earner household and childcare cliff calculator
Tax-Free Childcare, the 30 free hours and the High Income Child Benefit Charge are assessed per person, not on household income. So two earners on £99,000 each keep their childcare support, while a single earner on £105,000 loses it.
Takepacket's two-earner mode runs each partner through the engine and applies the per-person rules, then shows the combined position and where a pension contribution could protect your childcare.